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12925 Windy Lea Ln #95B, Huntersville, NC, 28078

2beds
3baths
992sqft
$284,000
$286price/sqft
$1,883/moest. monthly cost
$75,320/yrincome needed

About This Home

Conveniently located just minutes from restaurants, shopping, and daily essentials, this townhouse is situated close to Lake Norman and around 20 minutes from both Douglas International Airport and Concord-Padgett Regional Airport. It offers an exceptional blend of comfort, an ideal location, access to green spaces, and a low monthly HOA fees. The main floor features an open-concept living and dining area and a functional kitchen with plenty of cabinet space. A rear driveway provides two dedicated parking spaces. Upstairs, two bedrooms each one include their own full bathroom, ensuring privacy. Don’t miss the opportunity to own this low-maintenance, move-in-ready townhouse at Crosswinds community. Refrigerator, washer, and dryer will convey. For more information, contact: barmstrong.re@gmail.com.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

8/10
6/10
Francis Bradley MiddleGrades 6-82.8 mi
4/10
Hopewell HighGrades 9-122.2 mi

Construction

Condition

  • Year built: 2006

Materials

  • Foundation: Slab
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: Townhouse
  • Architectural style: Traditional
  • Property subType: Stick/Site Built,Residential,Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Range Hood,Electric Water Heater
  • Laundry features: Dryer Connection

Bedroom2

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Dining Room

  • Level: Main

Features

  • Ceiling Fan(s),Dead Bolt(s),Pantry
  • Flooring: Carpet,Vinyl
  • Attic: Access Only
  • Finished area above ground: 992

Heating & Cooling

  • Heating features: Forced Air,Electric,Natural Gas,See Remarks
  • Cooling features: Central Air

Interior Area

  • Total structure area: 992
  • Total interior livable area: 992 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Main

Living Room

  • Level: Main

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 01746361
  • Zoning: NR
  • Special condition: Owner Sale

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Porch
  • Fencing: None

Lot

  • Lot size: 0.04 Acres
  • Features: City Lot,Not in Flood Zone

Parking

  • Parking features: Driveway
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Tornado

FEMA Declared Disasters in Mecklenburg County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,436$17,232
Home Insurance *$84$1,008
Property Taxes $163$1,956
Electricity $200$2,405
Total$1,883$22,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,560/yr
40% on housing$56,490/yr
45% on housing$50,213/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.8%
12.8%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$286This listing

vs Other Active Listings

Avg $/sqft

ZIP 28078$223
Mecklenburg County$237

vs Homes Sold Last Month

Median $/sqft

ZIP 28078$221
Mecklenburg County$238

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-03Listed for sale$284,000

For Sale by Agent

AgentBilly Armstrong
BrokerageTown Real Estate LLC

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